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Salma is a 37-year-old married woman. She has been successfully running a business of flower-making for the past one year. She offers various colorful flowers, for decorating homes and events like birthdays, parties, etc. She sells them to the people of her community and also supplies her flowers in the local market. She has good communication skills and has a good customer list.

Salma is motivated to provide for her family. She wants to grow her business, so she requested a loan of PKR 15,000. She will use the funds to buy raw material for her craft, such as fabric, tissue and glace papers, and packs of paint in various colors. In this way, she would be able to meet the increasing demand of her customers consistently. She wishes to spend part of the revenues to deal with the expenses of her family, and part to increase her business capital.

Additional Information

About Kashf Foundation

Kashf Foundation is one of the leading microfinance providers in Pakistan, focused on expanding financial access for poor women across the country. The organization’s economic empowerment program has grown from 913 clients in 1999 to 284,653 clients as of May 2012, with a current outstanding portfolio of US$32 million.

Kashf has trained over 227,000 clients in basic financial literacy and systemized financial education since 2010, in addition to providing training in gender justice and empowerment to over 12,500 participants since 2011. This group includes clients, their husbands and adolescent boys in their communities.

Over the past 16 years, Kashf has disbursed an estimated 2 million loans. Today, it operates in 16 districts in Punjab province and 1 district in Sindh province through a network of 157 branches. It plans to open 19 new branches to cover all four of Pakistan’s provinces.


About Pakistan

  • $4,700
    Average annual income
  • 276
    View loans »
    Pakistan Loans Fundraising
  • $14,714,900
    Funds lent in using Kiva
  • 106.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Salma to buy raw material, such as fabric, tissue and glace papers, and packs of paint in various colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 11, 2013
Oct 19, 2013
Currency Exchange Loss:
Oct 17, 2014